New Jersey Group Long Term Care Insurance
(New Jersey & Pennsylvania Business)
Group Long Term Care Insurance is the American workers most
requested new employment benefit. Employees are being forced out
of the work force because they are called upon to care for spouses
and parents with long tern care needs. The largest growth in
employee "down time" today is caused by the need for taking care of
aging parents.
When one of your employees needs long term care
services or must provide long term care for
someone at home, it may put your New Jersey
business at risk because it can have a great impact
on your bottom line. You may not notice the cost
immediately, but over time it may really add up.
If an employee is providing care for someone at
home it is almost as though they have another full
time job. It may affect your business in the following
ways:

1. Decline in productivity
2. Decreased willingness to relocate or travel for
work
3. Not able to work full time or must leave job
altogether
4. Motivation and morale are compromised
5. Interruptions during the day to handle phone calls
or emergencies
6. Absenteeism
7. Increased stress which could result in health
related problems
8. Replacement costs if employee needs to resign
Long Term Care Insurance Employer Advantages
Recent health care legislation makes qualified long
term care insurance policies more tax advantageous
for both employers and employees. New Jersey
employers that pay for long term care insurance may
be eligible for favorable tax treatment. The tax
consequences vary depending on the structure of
your business.
1. Employer paid long term care insurance premiums for
employee, spouse, and retiree coverage may be deducted as a
business expense.

2. Employers can cover defined classes of workers, making it
possible to offer the benefit to only higher paid employees.
3. Employees with medical and dental expenses exceeding 7.5%
of adjusted gross income may be able to also deduct eligible long
term care insurance premiums they pay.

4. Premiums are not classified as taxable income to employees.

5. Benefits are not considered taxable income to the insureds or
their families (even if the employer paid the premium.)

6. Benefits are 100% tax-free to the employees whether the
employee or the employer pays the premium.
Click on the link below to fill out a secure quote request form for a New
Jersey long term care insurance plan that regardless of whether you're
a large employer or a small business, will provide comprehensive
insurance coverage for your businesses most important asset...your
employees. Or speak with our New Jersey Group Long Term Care
Insurance specialist toll free at 1-800-501-6199 to discuss the features.
We are your greater Philadelphia, PA area insurance services agency,
offering comprehensive New Jersey group long term care insurance plan
options to businesses in the following NJ cities and counties: Deptford,
Camden, Cherry Hill, Blackwood, Collingswood, Runnemede, Woodbury
Heights, Pennsauken, Palmyra, Cinnaminson, Delran, Riverside,
Edgewater Park, Burlington, Riverton, Delanco, Beverly, Bridgeboro,
Woodlynne, Oaklyn, Gloucester City, Brooklawn, Mt. Ephraim, Westville
Grove, Colonial Manor, Red Bank, National Park, Thorofare, Gibbstown,
Bridgeport, Penns Grove, Almonesson, Fairview, Grenloch, Hurffville,
Turnersville, Erial, Pine Hill, West Berlin, Clementon, Barrington,
Kirkwood, Maple Shade, Mt. Laurel, Pitman, Sewell, Mantua, Centre City,
Magnolia, Somerdale, Berlin, Richwood, Mt. Royal, Glassboro, Ewan,
Wenonah, Audubon, Haddonville, Merchentville, Willingboro, Woodbury,
Clarksboro, Mickleton, Repaupo, Paulsboro, Williamstown, Sharptown,
Ferrell, Auburn, Yorktown, Pedricktown, Pennsville, Vineland, Millville,
Gloucester County, Burlington County, Salem County, and Camden
County, NJ. We offer group long term care insurance services throughout
southeastern Pennsylvania, including in Upper Darby, Drexel Hill, Yeadon,
Sharon Hill, Collingdale, Darby, Folcroft, Lansdowne, Norwood, Prospect
Park, Glenolden, Havertown, Colwyn, Chester, Cheltenham, Montgomery
County, Bucks County, Delaware County, and Philadelphia County, PA.
We also offer affordable New Jersey group long term care insurance
coverage services throughout the remainder of the Garden State.
Employee Benefits
Sunrise Retirement Solutions and
Insurance Planning Services, LLC
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Personal Insurance
Group Long Term
Care Insurance
Sunrise Retirement Solutions
& Insurance Planning Services
188 Fries Mill Road, Unit F-1
Turnersville, New Jersey 08012
Gloucester County, NJ
(856) 875-0999
Toll Free: 1-800-501-6199
Fax: (856) 875-0981
Answer a few questions
and we will provide you
with an insurance quote by
phone or email. Choose
the New Jersey or
Pennsylvania business or
personal insurance
coverage you're interested
in from the menu above.
Philadelphia Pennsylvania Area Employee Benefit Insurance Services
Your Philadelphia Area Employee Benefits Specialist
SSL Secure
(also Philadelphia, PA area)
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Any decisions regarding your insurance needs should be discussed with
a licensed insurance agent.